How many of you wonder
what is happening on your computer when something seems to be going on
but you don't know what? Happens to me quite frequently.
I get emails from a site
known as GiveAwayOfTheDay.com and today they have a
give-away that offers a much better Task Manager than the task manager
that came with my computer.
Each give-away is free
for that day only, after that, it will cost you. I didn't
realize that there was a better task manager than what I had, so I'm a
bit excited about today's give-away. Quite frequently, my
system runs slow, and the task manager doesn't really give me enough
info...hopefully now, I can control this, as one feature lets me
temporarily stop whateve is going on.
I would offer more info,
but my schedule has been crazy the past few days, and I must be heading
out the door, but just wanted to quickly let everyone know about this
free product before I leave. I do believe the give-away lasts
until midnight PST. There is a countdown timer on their site.
Enjoy!
Here is just a highlight
of the info I got in their daily email:
I was reading a BLOG
about one method of adding your blog to your website. I would
like to also offer you two more methods which may work for you.
I have a website for another business I own, and I wanted
to add a discussion board. I created the board, then went
into the area that lets me create new pages for my website.
When you add a new page, you get the link either on the left
hand side of your web page, or you get those little boxes that go
across the top. My site has the little boxes. When
you choose to create a new page, you are also offered the option of
linking an outside page to that box or link, which is what I did.
When someone clicks on that box/link it takes them straight
to my discussion board. You can do the same thing with your
blog....just create a link that says "Blog" or title it anyway you
choose, and you have a direct link which appears as a page on
your website.
For those of you who have software that allows you to
create images/banners, you may create you own image, whether it be a
text image, or a picture image, then add that picture to your website
with a direct link to your Blog. There are some sites on the
web that allows you to create linking banners too, especially if you
have have a MySpace page, they have all kinds of sites for creating
interesting images/banners which you may add links to.
If you know how to create an image/banner, but do not know how to add
links, you can do a search on the web for basic HTML commands.
My favorite way is to use NVU.com software, which is a free
HTML editor which works very much like a word processing program.
Go to NVU.com and download the free software, then go to the BLOG
I wrote explaining how to use this software. It took me a
short while to figure it out once I used it, but we are all strapped
for time, so I thought I would write a quick tutorial for the basics.
I will probably re-write that blog now that I have been using
the software for several months and I am now much more familiar with
it. Keep an eye on my blog for the new tutorial.
Hopefully, I will have this done in the next week.
If not, I will get on it after the Thanksgiving Holidays.
NOTE:
I recently changed companies for ethical reasons, and will be
re-writing my Active Rain page, but need to leave it as is for a short
while (an explanation is on my Active Rain page). I will also
be creating a new website, and as most of you know, this can take a bit
of time...it will be coming soon!
A
Quote:
"To
laugh often and much; To win the respect of intelligent people and the
affection of children, to earn the appreciation of honest critics and
endure the betrayal of false friends; to appreciate beauty, to find the
best in others, to leave the world a bit better whether by a healthy
child, a garden patch, or a redeemed social condition; to know even one
life has breatherd easier because you lived. This is to have
succeeded." - Ralph
Waldo Emerson
The 50,000 Dollar Blog! Ooops, I meant 50,000 Points Blog.
We do get a dollar per point...right? NO? Fine, then I will just
go to bed and dream that I do.
I've seen a lot of
Milestone Blogs, for hitting the first 10K, 25k, 50k,
100k, and so on.
So I thought, ok, I'll do one too. Blogging is about points,
right? Actually, I venture to say it is more about ideas, and
business, and networking. About building relationships and
trust,
and then...we get rewarded by points, which is all a part of the
competitive spirit of Active Rain! (By
the way...this will not be a short blog...so if you are the type that
only reads short blogs, you will miss the message)
Active Rain...and 50,000
points...wow!
It's a combination of work and fun. I consider my work to be
something I enjoy, so it's a lot more fun that work for me. I
don't think I would want to be blogging if I considered it as a chore.
That would make it hard to actually write a blog, or to even
think of a topic to write about, or to even be motivated to think about
blogging. But the reality is that blogging, and reading blogs
is addictive...which is why I posted the image you are seeing to your
right ------->
Although I like writing about
the business side when it comes to blogging, helping to save homes can
be a bit of a narrow topic at times unless I want to keep linking to
newspaper articles telling us the latest thing the gov't is throwing at
us...but to be honest with you, they throw so much "junk" out there,
and then we learn a bit later that they didn't exactly offer the truth,
or implement it properly, or even follow through at all, that I have
reached a point of throwing a lot of that information over my shoulder
along with the entire salt shaker, as it mostly seems worthless and
sometimes geared towards just pacifying the public while they go back
into their meetings still searching for how they can explain that they
let this mess happen in the first place....or hoping no one really
notices at all that they let it happen.
My topic for this blog? Business...of
course!
BLOGGING HAS PRESENTED A
SLIGHT PROBLEM
The problem I have encountered here on Active Rain is that if I attempt
to blog about my company and how it benefits other Professionals in the
Real Estate Industry, it tends to be viewed as a solicitation.
Actually, when I worked for my previous company, there was
some
truth to that. I left that company for ethical reasons, and I
recently wrote a BLOG about
that topic, so I will spare you the details
here, just click
here if you are curious (you know you are, but finish this blog first).
You see, I am in the
business of helping to save homes from foreclosure,
and the company I previously worked with charged an up-front fee for
people to join that company, and they encouraged us to recruit for them
by paying us half of that fee. They built a recruiting
monster recruiting over 3000 people...but that is all they really did,
recruit, which led to lots of ethical problems. So, the
perception with that company was one of solicitation...not a good
reputation to have, and one I am glad to be away from.
I MADE A SWITCH The company I am associated with now does not charge those
up front fees.
We help people to save their homes, and we can teach you how
to
do the same, but
without those fees to join. You can help
homeowners to save their homes, make a nice commission to do so, and
add extra income to help if you are struggling in today's economy.
This is truly a win-win situation, one which is allowing many
Realtors and Mortgage Brokers to stay in the industry they love since
we work the down side of this market. The best part is...it
doesn't take a lot of time, allowing you to continue to do the work you
love! It does however, allow you to add an extra service to
your business, which brings in extra revenue.
We are building a different kind of company! We are actively seeking
Professionals in the Real Estate Industry to
join us in our mission to save homes.
There are many companies
out there today that are scamming homeowners, taking their money and
running. We want to offer homeowners a different kind of
company,
a company whose consultants are already trusted Professionals in the
Real Estate Industry, people who have a reputation that they
cherish, and a
license they could lose if they cross the standards of ethics they have
vowed to uphold. This fact alone adds a great deal of "trust"
to the equation where the homeowner is concerned.
We want people that
homeowners feel they will be able to trust...and
our advertising will convey that message. We want people who
are
dedicated to the Real Estate Industry, who are dedicated to not only
helping people achieve that dream of owning a home, but also of keeping
that home. Is
that person YOU?
I speak with lots of Realtors and Mortgage Brokers/Loan Officers, and
for months they have been telling me that they are always running into
people who are in danger of losing their homes. Why not be
the
person who can help them save it? Why send the homeowner to
someone else?
If you help to save that home, it is quite possible that you
will
have created a client for life! They will always remember how
you helped them. This also tends to lead to more referrals.
If you don't have the time to help them, at least refer them
to someone who can...and in the process, you can earn a referral fee.
Call me or email me today....let
me share with you how simple our process is.
Oh, let me spare you part of the suspense...
You meet someone needing our help.
You qualify them, making sure they can benefit from our
services.
You take a no obligation application which determines if we
can actually help.
Once approved, you gather their financial information to
verify the facts they told you on the application.
Your job is done.
Total time spent could range from 1-2 hours
total, depending on how much time you choose to spend building rapport
with your client.
We have expert negotiators
who handle the dirty work for us. They
do the negotiating with the lenders. They save the home, the
homeowner is happy, and you are happy. Next case!
We are a Group of Professionals
from across America
who have joined forces with one
mission in mind...
NOTE:
I recently changed companies for ethical reasons, and will be
re-writing my Active Rain page, but need to leave it as is for a short
while (an explanation is on my Active Rain page). I will also
be
creating a new website, and as most of you know, this can take a bit of
time...it will be coming soon!
A
Quote:
"To
laugh often and much; To win the respect of intelligent people and the
affection of children, to earn the appreciation of honest critics and
endure the betrayal of false friends; to appreciate beauty, to find the
best in others, to leave the world a bit better whether by a healthy
child, a garden patch, or a redeemed social condition; to know even one
life has breatherd easier because you lived. This is to have
succeeded." - Ralph Waldo Emerson
The Perfect Picture: Software to help
The Perfect Picture:
Software to help when your pics aren't what you expected.
Are you having problems with some
of your photo's? Not everyone is a great
photographer. We can't all get that perfect lighting, or that
perfect angle and in today's economy, it may not be easy to afford a
Professional Photographer for that perfect picture.
I
read a BLOG recently
asking for feedback/critique on a picture of a house.
A couple of replies had to do with the very light areas of
the photo, referred to as a "washed out" look. If you are
having trouble taking the kind of pictures you want, there is still
hope for you as there are a number of software programs that let you
work with specific parts of your picture.
The
picture on the left
(below) is the picture posted on the blog I mentioned requested
critique. Notice
the bright spots. When I was reading the blog and the
comments, I realized that I have software that can help with this.
It is Microsoft
Digital Image Suite 10.
My software is several years old, so I am sure it has been
updated several times, but with this software, I am able to take those
light areas and darken them up, or if need be, I can play with various
other elements to help improve the picture quality.
In
this particular shot,
I chose to darken up the light areas of the house (see pic on the
right), which would be the roof and the walls. There is also
a light area in the grass just in front of the house and I chose to
darken that just a bit too, helping to eliminate some of the washed out
appearance. True, this is not perfect, but realize, this is
the first time I have played with this function of this software.
With a little effort, I am sure I could make this look much
better. I wanted to post this information to let those who
read this know that you can easily edit your pictures. I
found this program to be user friendly as I was able to quickly figure
out how to accomplish this task.
The
picture below (left)
was on the website of our Active Rain blogger who was requesting
critique. I chose to darken the roof just a bit, but I also
choose to darken the lawn, bringing out the green in the grass.
While playing with the software, I learned that I could
totally remove the sidewalk and the program filled in the area with
grass perfectly. I couldn't tell the picture had been
tampered with. I didn't post that particular picture, but
just wanted to let you know that is just another of the functions you
can perform with this software.
Below...I
just added a border
to the picture of this house, trying to jazz it up a bit. The
program has many borders available and the colors can be altered as
well as the various levels of thickness. A lot can be done
with this software. I realized today I need to play with this
software a lot more, it has lots of possibilities.
If any of you choose to purchase
the
software I used to edit these photos, and have trouble
figuring out how
to do what I did, just write or call, I'll be glad to help.
If I get
enough requests, I will write a blog with instructions.
While on the subject of
software...how many of you have been looking for software
that allows you to pull a person out of the picture so that you can add
that person to a different picture. If that question seems a
bit vague, just look at my picture here on Active Rain. I
pulled myself out of one picture, and placed myself into another
picture. I can easily change that background over and over
again, and I have already done so about 10 times and now have pictures
I can rotate here. I can have a different house in the
background every day if I want to.
To do this, I am using Photo
Impact Pro (Version 10). Rather than pulling
myself out of the picture, I actually remove the background, and insert
another background, or once the background has been removed, I can drag
my pic over to another picture. Perhaps you have a picture of
a house you would like to use, but don't like the surroundings of the
house and want to get rid of the background? Now you can.
You may want to leave the shrubs in the front though, or you
would have blank white spots where you removed them.
I bought both of the
above programs several years ago.
MS Digital Image Suite cost me $48.57 while Photo Impact Pro cost me
$65.07. I got both programs at Sams Club. I've seen
the Digital Image Suite at much higher costs in other stores.
I am not sure how much these programs cost today. I
assume they are still available.
As a
side note, I am sure some of you have been reading the various blogs
about copyright issues. In staying in accordance with the
rules of Active Rain and also in accordance with copyright laws,
although Mindy did request a critique of her photo, I did ask
permission to make adjustments and to post her photo in this blog.
The
Real
Estate Industry is a truly interesting creature. It has it's ups and
it's downs. During the up years, everyone flourishes, even
those who don't really work hard. The down years, however,
separate the men from the boys and the women from the girls.
Only the
strong survive!
The
down side to this
though is that during the really tough times, some of the
strong may not survive either. They may work hard,
yet it simply just does not work out for them. I'm writing
about this because I may be able to help. But then I run into
that one little problem I see people talking about all the time here on
Active Rain...the blog that is perceived as a "solicitation."
This is far from that though and I hope if you are concerned
that you may become one of many Real Estate Professionals who may have
to find "another job," that you take the time to read this.
I am
a part of the Real Estate Industry that is helping people to save their homes!
Lots of Realtors and Loan Officers are joining forces with
us, adding this service to their business, thus providing them with the
extra income to allow them to stay in the industry. The best
part about what we do though is that it doesn't take a lot of your
time. We have people who do the dirty work for us, our job is
to find those who need help, do the initial interview and take the
application, which we turn over to those who do that dirty work I
mentioned a moment ago.
Here
is the important part that you need to understand though....
I
recently changed companies (mostly for ethical reasons - I wrote a BLOG about it). The company I previously
represented charged a rather hefty up front fee to become a part of
company. The company I represent today does not charge such
fees! There is no cost to you other than a small amount of
time to learn our procedures. You will want to read the BLOG I mentioned a moment ago, as it
offers details regarding the main differences between the two
companies. I can now provide much better services to
homeowners than I could before. Previously, I could only help
those who were two months or more behind on their mortgage payments
(Loss
Mitigation). Now, I can help those who have not fallen behind
yet, but know that their loans will be adjusting soon (Loan
Modification). This helps to save their credit.
On
the back side, there are some homeowners whose homes cannot be saved, and I am putting together a
network of Realtors who specialize in Short Sales and can help them
exit the home if necessary. If you want to become a part of
The Short Sale Network, I need to know who you are though.
Qualifications: You need to be experienced at
completing Short Sales successfully. If you are not
experienced and haven't had success the homeowner will lose the home
and their credit. This is what we are trying to avoid.
Are
you curious
about our services and whether or not you may want to add this to your
business platform, then send me an email or give me a call.
We are here to help people save their homes...and to
provide Professionals in this industry an additional source
of income...helping them to stay in this industry. This is
the perfect add-on for your business! Call and see why for
yourself! And
remember, there is no cost to you to add this to your business!!!
NOTE:
My
AR page has not been changed yet...I am in the process of rewriting my
pages and also in recreating websites, etc. My AR page will
probably be the last that I work on....because I am getting a lot of
contact from reps with our previous company (because AR helped my page
to get ranked very high)...and lots of these reps are seeking out other
company consultants because they haven't been able to reach the
corporate offices and are seeking answers as to why. They are
finding my AR page thanks to the high search engine placement AR has
helped me to attain! Therefore, I will give them a couple of
more weeks to find me. Once I change my page and links, they
won't be able to find me anymore.
Do you need to
put a Watermark on your pictures?
Last week I posted about free software that would allow you to do this.
This week, the same website is offering an even better
program for watermarking.
Here is the web address: http://www.giveawayoftheday.com/watermark-factory-2/
On this site you will find a description of the program, and below that you will find
comments from those who downloaded the software. As with any
site that allows comments, you will always find those who
have to complain no matter what, and you will find that on
this site also. Just ignore them.
I found comments #19, and #39 - #44 to be useful comments.
This software is only
free for one day only, and I belive it is free until
midnight PST. The site tells you the amount of time you have
left. I know some of you Realtors will like this software as
you can protect the images you post to your website and blogs.
Enjoy!
Being
free, it comes as is without any tech support. The regular
cost is $49.00
I receive an email each day of free
software give-aways...available only until midnight. Todays (10/23/08)
is a Batch Image Watermarker. For those of you who want to
protect your images with watermarks, you may want to look at
this software. I will offer a link at the end of this blog,
go read the details, and read the various comments to see if this is
something you may want or need, and if there is anything for you to be
concerned about. I've stayed away from some of the software
give-aways because of a few comments before, so read those carefully.
I
learned 4 or 5 years ago that I was on my way to diabetes.
That was a bit scary, as I lost both of my dad's parents when
I was young to diabetes. One of our Christian Radio stations
has a lot of health shows
and they had a
weekly seriers on
diabetes. Doctors explained how people get diabetes, ways to
prevent it,
and ways to reverse it. By the way, this is information you
don't usually hear from the medical industry, but there are some
organizations that are helping people with diabetes reverse this
disease.
This
blog isn't about diabetes though, but I wanted to set the
stage for how this big time chocoholic
broke a lifelong habit. It's not that chocolate
is dangerous, like cigarettes, but that I had a really bad habit. You
would not believe how much chocolate
I ate. It was so bad that when I visited my family for
holidays, they would only set out a little bit of chocolate
and hide the rest of it so they could have some. It didn't
matter what form the chocolate
came in, it could be candy, cakes, brownies, it didn't matter, I just
couldn't resist, and I would keep eating until it was all gone.
I knew I
needed to quit, but really didn't want to, nor did I know
how to. I was hooked,
and I was enjoying it...yet, I still knew I should quit.
But I really loved chocolate.
Then
it happened, I learned a very simple technique for quiting a bad habit
like chocolate. While listening to the diabetes
program I mentioned earlier, one of the doctors talked about people
like me who have habits like chocolate
they want to break, and he shared the simple secret to breaking this
habit. It is a simple little mind trick, and I quit
eating chocolate
that day and haven't touched it in years.
Ok...I
have tried a couple of "healthy" versions of chocolate,
without all the junk in it, with really good ingredients, but I still
get that massive desire to eat it all at once, so that really doesn't
work. Scratch that idea.
So
what is the secret? Here is what the doctor said...
First,
he talked about how people decide to quit a bad habit (and
he used chocolate
as his example, but mentioned that it could be soft drinks, or any
number of other things), but they just seem to always fail in the long
run. Then
he asked this one all important question...
He
asked if we wanted to keep on quitting chocolate over and
over and over, or did we want to quit just one time? He
elaborated on this point by saying that a person decides to quit
chocolate, then goes to visit someone, or winds up in line at a grocery
store, or it's the holidays, and you are faced with the temptation, and
about 50% of the time you wind up giving in to the temptation. The
problem is that the decision to quit really wasn't made in the first
place. There was no real commitment.
The
trick is to make the decision to quit. Make that
decision one time, not be faced with making the decision every time you
see chocolate...then,
when you are faced with the temptation, you simply tell youself that
you have already made that decision, you don't
have to make it again. Wow...it
really is that simple. Every time I see chocolate...(for
instance, I love chocolate
pie), and when we go to Golden Coral, I really want some, but when I am
faced with that temptation, I remind myself that I have already made
that decision, and walk away. I don't have to make that
decision ever again. My family has been so shocked that this
worked. I was too!
We have
several Christian Radio Stations in our city, so I have a choice of
things to listen to depending on my preferences for the day. One day I
heard an AWESOME sermon, and I just have to share
the main point with you, as I think it shows how important our
dependance on God really is...and
should be.
The Pastor shared an experience he had of delivering his
best sermon ever,
and the following week delivering his worst sermon
ever.
The results were amazing...read on...
Let's start with his best sermon
ever...
He said that he spent a great deal of time preparing for
this sermon. The topic was inspiring, one that he liked, and
his preparation went without a hitch. He delivered the sermon
and felt it was the best job he had ever done. Needless to
say, he was proud of the work he had done for the Lord.
But just like in the sports world, where a team plays its best game,
only to follow that up with their worst game ever, so it happened that
his sermon the following week turned out to be what he felt was the
worst sermon the he ever delivered.
He mentioned that his prepartion time was constantly interrupted, and
he just had trouble focusing and getting into the right frame of
mind....you know the story. When we do great, we sometimes
fall into a complacent frame of mind. The time came to
deliver the sermon. He felt he wasn't ready, and didn't feel
at all confident and after the sermon felt it was the worst of his
career.
Here
is where the story gets interesting...
This Pastor mentioned that over the years he had developed a unique
tracking system, one that he felt told him how effective each sermon
was over time. I won't go into the details for the sake of
keeping this blog a bit shorter, but it was quite interesting how he
tracked this process.
As he tracked these two sermons, this is what he found out. The BEST
sermon that he had ever delivered turned out to be
one of his worst when he looked at the tracking results. The
WORST sermon that he had ever delivered turned out to be one of his
best.
And he
proceeded to explain why this happened...
After the first sermon, he felt he did a good job, an excellent job! He
felt confident and walked proud thinking about the good
job that "he" had done. But after the second sermon, he felt
that he had failed in his job as a Pastor. From the moment he
finished the second sermon and all through the week, he prayed about
that sermon and he asked that the Lord would move upon those who heard
it and would produce the results that God intended.
The first sermon was done under his own power, without prayer. He felt
he had done a good job and didn't ask God for help. The second sermon,
although delivered under his own power
once again, was followed with fervent prayer. The first
sermon produced no results. The second sermon however
produced lots of fruit. What a great lesson on "why we need
to pray!
The lesson
to all of this is quite clear. Without God, our best is
worthless.
With
God, our worst is much better than our best alone could ever be.
With God,
all things are possible! What
other verses would you add to complete this thought?
Are you worried that you may be in danger of losing
your home?
We may be able to help!
Our #1 commitment is to help you
keep your home!
Services
we use to help save your home from foreclosure:
Loan
Modification
- You may be able to modify the terms of your existing loan.
This
is an option we are able to use for those who are expecting their rate
to adjust, and they know that will not be able to afford their new
payment. Homeowners rarely have success attempting to
negotiate
with the lenders because some lenders just do not work with homeowners
as they do not understand the rules of the game. If you have
attempted to contact your lender, but did not have success, don't
despair, we may be able to handle this tedious negotiation for you.
We have experienced people who handle this on a daily basis
with
great success!
Loss
Mitigation
- Similar to the above services, but is used when someone is behind on
their payments. Each lender has a different set of rules
which
they have set forth as to how they handle homeowners who are late
making their payments. Late payments may be spread out over
the
remaining term of the loan, put to the end of the loan, or spread out
over the next year or more. Available options vary from
lender to
lender.
Debt
Settlement
- Today, the average American homeowner carries a great amount of
unsecured debt, such as credit cards. These payments may be
so
high that your ability to make your mortgage payment may be affected.
When we are able to negotiate these debts down, and lower
your
monthly payments, the above services may not be necessary, or, as in
many cases, reducing this debt now allows us to more easily negotiate
with the lender for a suitable workout for both you and them....helping
you to keep your home!
Reverse
Mortgages
- If you are a Senior Citizen, age 62 & above, and you have
enough
equity in your home, but are having trouble making your payments
because you are on a fixed income, a reverse mortgage may be used to
stop a foreclosure. In many cases, this may be the best
and/or
only option for some Senior Citizens.
Short
Sales
- We may not always be able to save your home. If you are not
able to meet your monthly financial obligations because you are
experiencing a hardship, such as a loss of job, or extended hospital
stay, divorce, or other similar circumstance that has caused an extreme
loss of income, thus preventing you from making your mortgage payment,
it may be necessary to consider an exit strategy. You may
have to
sell your home.
With the value of homes dropping at an alarming rate, your loan may be
higher than the value of the home, making it impossible for you to sell
your home for what it is worth. Many Realtors specialize in
what
is known as a Short Sale, where the lender may be willing to negotiate
to allow you to sell the home for less than you owe, and in many cases
forgive the outstanding debt. We are establishing a
nationwide
network of Short Sale Specialists who can help you sell your
home
as quickly as possible by negotiating with your lender using the Short
Sale option.
Hopefully, selling your home is a last resort, but in some cases may be
necessary. It is a much better option than foreclosure and
bankruptcy, as it is better to start over now without either of those
on your credit rating. Starting over after a foreclosure or a
bankruptcy may take many years for you to recover, and we hope to help
you prevent this financial disaster from occuring. Call us
now to
review your options.
Contact
us today for your FREE No Obligation Consultation. If
you qualify, we will work to stop your foreclosure and help save your
home! You
MUST act now, time is critical. Those who wait may lose their
home.
Call now: 803-461-4210
If
you are a Professional in the Real Estate Industry, contact us today and
let us show you how to add this valuable service to your business.
Imagine
how you would feel if you could help someone save their home!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.